I concur, Oscar. I'm currently in a Wolf Mk II with about 700,000 extra credits (mainly acquired from gems/gold/platinum contracts), but at the moment I'm playing just as a bounty hunter/occasional small-scale trader. And with the costs of maintenance, the odd hardened missile and occasional (minor) equipment damage, I'm making a profit, but not by that much.
The surplus cash is the main reason why I'm planning a 1,000,000CR ship - want a "next level" to aspire to
Should running costs be much more expensive and frequent?
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